As of 2026, the FHA loan limits applicable in SUNY-Oswego, within Oswego county, NY, are as follows: a single-family home is capped at $356,362, two-unit residences are limited to $456,275, three-unit properties have a limit of $551,500, and four-unit homes are restricted to $685,400.
For conventional loans, the maximum amounts are set at $548,250 for a single-family residence. The ceiling for two-unit homes is $702,000, for properties with three units it is $848,500, and for those with four units the limit is $1,054,500.
To uncover today's top FHA rates and understand the necessary downpayment, income, credit requirements, reserves, and documentation needed to qualify, use our FHA calculator.
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The Lendersa® calculator is a powerful tool that allows you to compare the rates and terms of FHA loans with those from a wide range of other loan programs. Investigate and assess various options including Conventional loans, Jumbo packages, VA loans, USDA, Non-QM, and hard money loans, alongside FHA offerings.
Lendersa® compiles comprehensive loan program data from numerous lenders, and within moments, efficiently matches this information against your unique financial profile and needs.
The Loan Limits Comparison Table for 2026 in SUNY-Oswego, Oswego, NY, provides an in-depth guide through the maximum loan amounts available across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loan options. To thoroughly compare qualification requirements, such as income, reserves, and credit standards, utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $356,362 | $456,275 | $551,500 | $685,400 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $548,250 | $702,000 | $848,500 | $1,054,500 |
| USDA | $285,000 | $285,000 | $285,000 | $285,000 |
| VA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
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